INSURANCE CLAIMS

With over 40 years combined adjusting experience, My Back Office will facilitate the claims process, and make sure that you get everything resolved and paid for by your insurance company.

We will make sure that your claim is handled fairly, and quickly. We will make sure that every applicable city building code, and or manufacturer guideline is recognized and accounted for, EVEN WHEN YOUR INSURANCE COMPANY WON’T AGREE TO PAY FOR IT!

DON’T DEAL WITH THE INSURANCE COMPANY ALONE!

They have adjusters on staff to minimize your claim and help their bottom line. We will make sure they don’t take advantage of you.

Hail Damage:

Assessing hail damage is often accomplished by a roof inspection, which usually occurs several days to several months after the hail event. Some obvious signs of hail damage can be:
• Denting on a roof vent cap
• Deformation to condensing unit fins on an air conditioning system. This damage does impair operation of the unit, in that air flow through the coils is reduced, causing higher refrigerant temperature, lowering performance and reliability.
• Shredded and pock-marked paint on your home or siding. The base wood might not be damaged but a repaint may be required.
• impact marks on wooden siding or wood shake shingles, the shingle life will most likely be adversely affected.
• Significant granular loss may decrease the life of the shingle and require replacement.

Wind Damage:

Wind damage can come in many forms – and often without warning. Strong wind gusts can cause severe damage to homes and businesses in an instant, leaving you with potentially costly repairs and months of cleanup. These type of claims are often times the most disputed by homeowners and adjusters. We place a premium on getting your home secured, your insurance claim settled, so you can get your home repaired quickly and with as little hassle to you as possible.

Fire:

As if a fire itself is not destructive enough, its repercussions do not stop once the firefighters extinguish the blaze. Highly acidic smoke and soot caused by the burning of common household synthetics, combined with water from the firemen’s hose, makes possessions unsalvageable within just a few days. Rapid response to fire damage is necessary to repair and restore your home or business.

We provide fire damage assessment and claims handling to your home or business from the ground up while remaining receptive and sensitive to your needs during such a devastating event.

Flood:

If you’ve had flood or water damage to your home or office’s carpet or wood or laminate flooring, give us a call as soon as you can – with our emergency hotline, we’re available anytime of the day or night. Our flood claims handling can save you headaches and help you receive the amount of money necessary to get your home restored properly.

Hurricane:

Insurance companies are notorious for not handling claims fairly, especially when it comes to claims for damages caused by a hurricane. Insurers lose a great deal of money when a hurricane hits since this is the time they have to pay out claims in large numbers. This makes insurer representatives very cunning when claim time strikes, and they systematically try to close claims quickly with very little rearguard to detail, often times leaving you with the short end of the stick.

Snow:

Snow Damage creates different issues depending where the snow has landed. Snow covered roofs are usually the first concern of most property owners. Many homeowners in snow effected areas have slanted or pitched roofs that create a difficult platform for snow to land on. But when roof surfaces are cold enough, snow will land on roofs and can lead to water damage situations.

The weight of the snow especially if it’s heavy snow can create structural issues. The largest winter storms have been known to create conditions where roofs actually become overloaded and can cave in.

In the winter there are sometimes drastic changes in the temperature going from below freezing to above freezing temperatures. This freeze thaw cycle can wreak havoc on a roof system. Over a few days the ice builds up can create what is called ice damming. These “dams” prevent water from flowing through the gutters and off the roof. The water has no place to go but into the house or building.